0岁宝宝教育金计划，25岁坐拥100万！

<p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ></span></section><section ><span >“现在给宝宝做教育金规划。”</span></section><section ><span >正准备下班的徐英玲收到客户的消息。</span></section><section ><span >从事医疗器械行业的游女士工作繁忙，终于有空落实孩子的教育金方案，</span></section><section ><span >客户时间宝贵，徐老师决定加班解决客户需求。<br /></span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvSSEY7I1EE6upiaH5dsGQpWxlnRXHKQTYpUUN4bG0PmNMxv0t9Q80ic4HmctsnXRgpRvaKU7LClWnwg%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvSSEY7I1EE6upiaH5dsGQpWxlnRXHKQTYpUUN4bG0PmNMxv0t9Q80ic4HmctsnXRgpRvaKU7LClWnwg/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136); text-align: center">聊天记录节选</span></section><section ><span style="color: rgb(33, 89, 103)"><strong>一、需求分析</strong></span></section><section ><span >给0岁宝宝配置的教育金，这笔钱大概率15年后才被用到，</span></section><section ><span >对于这种长期的资金规划，徐老师建议选择<strong>分红型增额寿</strong>。</span></section><p ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvSSEY7I1EE6upiaH5dsGQpWxjklJWw1iaCMrOntvY7WWL2hhnnAcwrktlftdl8zjQ6hr0dehTzP2DtA%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvSSEY7I1EE6upiaH5dsGQpWxjklJWw1iaCMrOntvY7WWL2hhnnAcwrktlftdl8zjQ6hr0dehTzP2DtA/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><section style="text-align: center"><span ><span style="color: rgb(136, 136, 136); text-align: center">与客户沟通需求</span></span></section><section ><span >游女士感到疑惑，为什么选择分红而不是固收？</span></section><section ><span >徐老师的回答很直接，</span></section><section ><strong><span ><span >分红型收益更高！</span></span></strong><span ><span ><br /></span></span></section><section ><span ><span >虽然短期</span><span >收益对比下，</span><span >固收类产品</span><span >可</span><span >能占优势</span><span >。</span></span></section><section ><strong><span ><span >如果时间<strong ><span >拉长</span></strong>到15年</span><span >以上</span><span >，</span></span></strong><span ><span ></span></span></section><section ><span >分红型增额寿收益下限几乎和固收产品持平；</span></section><section ><span >但它的<strong>收益上限</strong>，可能会比固收产品<strong>高出很多</strong></span><span >，</span></section><section ><span >优质产品IRR甚至可突破</span><strong >3.7%</strong><span >，更符合游女士对高额收益的期待。</span></section><section ><span >感兴趣的朋友可以看这篇：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkwODcwMzI2Nw==&amp;mid=2247498296&amp;idx=1&amp;sn=d3e2a6533b72702fc3eb5dc1f1c3fd6e&amp;chksm=c0c75974f7b0d0625496143b9c0984fe7e1f6f65d6ad4bed36954932ade840098dcf787e4e9e&amp;scene=21#wechat_redirect" textvalue="红利实现率的秘密，藏不住了" linktype="text" imgurl="" imgdata="null" tab="innerlink">红利实现率的秘密，藏不住了</a><br /></span></section><section ><span ></span><o:p></o:p></section><section ><span style="color: rgb(33, 89, 103)"><strong>二、产品筛选</strong></span><o:p></o:p></section><section ><span >游女士非常认同这个观点，希望徐老师能推荐一款最适合的产品。</span><o:p></o:p></section><section ><span >徐老师选择了三款做收益对比。</span><o:p></o:p></section><section ><span >分别是<strong>中英人寿福满佳终身寿险</strong>、<strong>中邮人寿悦享盈家终身寿险</strong>、<strong>招商信诺利多多3号终身寿险</strong>。</span><o:p></o:p></section><section ><span >从收益上看，福满佳最高，但是需要线下减保，不是特别方便。</span><o:p></o:p></section><section ><span >其次是悦享盈家，背靠中邮人寿大公司，减保也更加方便。</span><o:p></o:p></section><section ><span >最后是利多多3号，虽然收益比另外两款略低一些，但是增值服务好。</span><o:p></o:p></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvSSEY7I1EE6upiaH5dsGQpWxFlGLfO5O3m9kgTewKxc9aQhcFUegiafHH7xtywO6PHDzGjPxCRegoibg%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvSSEY7I1EE6upiaH5dsGQpWxFlGLfO5O3m9kgTewKxc9aQhcFUegiafHH7xtywO6PHDzGjPxCRegoibg/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136); text-align: center">产品推荐</span></section><section ><span ></span></section><section ><span >经过沟通筛选，最终敲定了综合实力最好的<strong>中邮人寿悦享盈家终身寿险。</strong></span></section><section ><span >有大公司撑腰，分红收益更有保障。</span><o:p></o:p></section><section ><span >而且，想用钱的时候也方便，随时可以取出来，给孩子的教育添砖加瓦。</span><o:p></o:p></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">三、方案定制</span></strong></span><o:p></o:p></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)"><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvSSEY7I1EE6upiaH5dsGQpWxdbqibgmmEMicpPZ5zLeQQtwDWmNicJMx43COHu1nETOntO4IX5mqPuGJQ%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvSSEY7I1EE6upiaH5dsGQpWxdbqibgmmEMicpPZ5zLeQQtwDWmNicJMx43COHu1nETOntO4IX5mqPuGJQ/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p></span></strong><section ><span style="color: rgb(33, 89, 103)"><p style="text-align: center"><span style="color: rgb(136, 136, 136)">聊天记录节选</span></p></span></section></span></section><section ><span >根据游女士的预算，0岁女宝，每年缴纳10万元，缴费期限为5年，共计缴费50万元，定制了这样一套领取方案：</span><o:p></o:p></section><section ><span >15-17岁高中教育，每年领取2万，账户仍有73.8万；</span><o:p></o:p></section><section ><span >18-22大学教育，每年领取5万，账户仍有62.4万；</span><o:p></o:p></section><section ><span >28岁婚嫁金一次性取20万，账户仍有58.5万。</span></section><section ><span >此后就算间歇性的取用，账户中也一直有现金价值能为孩子未来做养老补充。</span><o:p></o:p></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvSSEY7I1EE6upiaH5dsGQpWxoQrcPK1Vges0RGSMicZzeA83HPEibpWypp9z8AAcXBfWZgCuamxs6sFw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvSSEY7I1EE6upiaH5dsGQpWxoQrcPK1Vges0RGSMicZzeA83HPEibpWypp9z8AAcXBfWZgCuamxs6sFw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">教育金减保方案</span></section><section ><span ></span></section><section ><span >我们定制的方案完美地契合客户的需求，之后便成功投保。</span><o:p></o:p></section><section ><span >从去年至今，她先后在懂保爷配置了三款储蓄险：</span><o:p></o:p></section><section ><span >金玉满堂2.0增额终身寿 ，年交15万，交3年；</span><o:p></o:p></section><section ><span >鑫禧年年C款养老年金险，年交10万，交5年；</span><o:p></o:p></section><section ><span >中邮悦享盈家终身寿险（分红型），年交10万，交5年。</span><span ></span></section><section ><span >前两天，她得知又要降息的消息，准备再找我们配置一份增额寿，这样一来，即使利率下降，她的资金也能稳稳地增值。</span></section><section ><span ><em style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)"><strong ><span >有疑</span></strong></span></em><em style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)"><strong ><span >问，可以扫描下图二维码找我团队专业规划老师。</span></strong></span></em></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section ></mp-common-profile></section><section ><span ></span></section><section ><br /></section><p ></mp-style-type></p>